Bangiyada ugu Fiican Scotland 2022 | Heerarka, Noocyada Xisaabta, Min. Debaajiga

Bangiyada ugu Fiican Scotland
Isha sawirka: canvapro.com

In ka badan 300 oo sano, Scotland waxay lahayd taariikh dheer marka ay timaado dhanka bangiyada. Sababo la xiriira tirada badan ee bangiyada Scotland, baahida loo qabo in sida ugu wanaagsan loo tago waa muhiim.

Ogaanshaha bangiyada ugu fiican Scotland ayaa ku caawin doonta dooro bangiga saxda ah leh dulsaarka ugu fiican, nooca koontada, iyo deebaajiga ugu yar.

Maqaalkani wuxuu iftiiminayaa bangiyada ugu fiican Scotland oo leh nidaamyadooda bangiyeed.

Si kastaba ha ahaatee, nidaamka bangiyada Scotland waa mid aad u casrisan oo bixiya faa'iidooyin gaar ah, sida adigoon bixin khidmadaha bangiga haddii aad ku sii jirto deynta akoonkaaga.

Markaa, waxaad fursad u leedahay inaad kala doorato noocyada kala duwan ee xisaabaadka, iyadoo ku xiran adeegyada la bixiyo, laakiin sidoo kale muddada aad waddanka joogtid.

Aan ku quusno!

Immisa Bangi ayaa ka jira Scotland?

Boqortooyada Midowday (UK) waxay leedahay bangi aad u tiro badan (in ka badan 300 bangi), oo leh dulsaar wanaagsan, deebaaji ugu yar, iyo noocyo xisaabeed oo aad u wanaagsan.

Sida laga soo xigtay Wikipedia, waxaa jira 14 bangi oo ku yaal Scotland oo xallinaya dhibaatada macaamil maaliyadeed iyagoo bixinaya waayo -aragnimo bangiyeed oo farxad leh.

Tirooyinkan bangi ee ka jira Scotland, waxay u oggolaadaan saddex bangi oo tafaariiqda inay daabacaan qoraalo si loogu wareejiyo Scotland: Bank of Scotland, Royal Bank of Scotland, iyo Clydesdale Bank.

Dadka akhriya maqaalkan, waxay ku dambeeyaan akhrinta: Bangiyada ugu Fiican UK ee Maalgashiga 2022. Fiiri!

Ma ka furan karaa Koonto Bangi Scotland?

Haa, waxaad ka furi kartaa koonto bangi gudaha Scotland xitaa haddii aad hadda uun u soo guurtay waddanka.

Si kastaba ha ahaatee, habka furitaanka akoon bangi wuxuu noqon karaa mid dhib badan ama qaali ah iyadoo ku xiran dhalashadaada.

Haddii aad tahay muwaadin EU / EFTA, waxaad xaq u leedahay inaad furato koonto aasaasi ah, taas oo kuu oggolaanaysa inaad qabato shaqooyinka bangiyada aasaasiga ah.

Had iyo jeer waxaa lagula talinayaa qofka ajnabiga ah inuu bilaabo furitaanka akoon aasaasi ah.

Aan ku tusno sida loo furo xisaab bangi oo aasaasi ah.

Sida Loo Furto Koontada Bangiga Aasaasiga ah ee Scotland

Si aad u furato koonto aasaasi ah, uma baahnid caddeyn ku saabsan shaqada Scottish -ka ama taariikhda amaahda (taas oo dabcan aadan weli yeelan doonin).

Marka ugu horreysa ee aad ka furan karto koonto bangi oo aasaasi ah Scotland, waa haddii aadan shaqo helin, waa saddex bilood.

Guud ahaan, waxaad u baahan doontaa waxyaabaha soo socda si aad u furato koonto bangi “aasaasi ah”:

  • Caddaynta aqoonsiga (baasaboor sax ah ama kaarka aqoonsiga Yurub)
  • Sawirka hadda
  • Caddaynta cinwaanka UK oo ah qaab biil koronto oo la soo saaray 3dii bilood ee la soo dhaafay

Lix ama laba iyo toban bilood ka dib, waxaad u beddeli kartaa koonto bangi “hadda” ah.

Fiiro gaar ah: Inkasta oo aad keeni karto biilasha biyaha, gaaska, ama korontada, gudaha Scotland biilasha telefoonka ama fiilada looma tixgalinayo caddayn aqoonsiga ama ciwaanka.

Sida Loo Furo Xisaabta Bangiga Hadda ee Scotland

Haddii aad tahay muwaadin waddan saddexaad, xaq uma lihid inaad furato koonto aasaasi ah, markaa waa inaad sugtaa ugu yaraan saddex bilood oo aad furataa koonto “hadda” ah.

Dukumeentiyadu way ku kala duwanaan karaan bangiga, laakiin guud ahaan, kuwa soo socda ayaa loo baahan yahay:

  • Caddaynta aqoonsiga (baasaboor sax ah)
  • Sawirka hadda
  • Caddeynta degenaanshaha UK qaab biil koronto oo la soo saaray 3dii bilood ee la soo dhaafay
  • Faahfaahinta shaqadaada hadda, dakhliga, ama kaydka (ay ku jiraan kuwa dalkaaga hooyo)
  • Lacag aad u badan oo lagugu shubo koontadaada cusub ee bangiga Scottish -ka, xaddiga saxda ah oo ku kala duwan bangi ilaa bangi
  • Gudub jeegga deynta

Sidaan kor ku soo sheegnay, deebaajiga looga baahan yahay muwaadin waddan saddexaad inuu furto akoon bangi oo ku yaal Scotland wuxuu noqon karaa mid aad u ballaaran wuxuuna ku kala duwan yahay bangiga ilaa bangiga. Sidaa darteed samaynta cilmi baaris qoto dheer oo suuqa ah si aad ula socoto kala duwanaanshaha sicirrada aad bay muhiim u tahay.

Hadda, aan kaa caawinno inaad isbarbar dhigto oo aad isbarbardhigto dalabyada bangiyada kala duwan ee Scotland sida waafaqsan baahiyahaaga.

Liiska Bangiyada ugu Fiican Scotland 2022 | Heerarka, Noocyada Xisaabta, Min. Debaajiga

Scotland qasab ma aha inay leedahay kumanaan bangi, laakiin bangiyadooda jira ayaa inta badan ka dhex muuqda nidaamkooda bangiyada.

Markaa, waxaanu si fudud u samaynay cilmi-baadhis ku saabsan bangiyada leh heerka dulsaarka, noocyada xisaabaadka, iyo dhigaalka ugu yar.

Waa kuwan bangiyada ugu fiican Scotland, UK:

#1. Bangiga Scotland

Bangiga Scotland wuxuu u heellan yahay inuu caawiyo qoysaska Scottish -ka, ganacsiyada iyo bulshooyinka inay barwaaqoobaan. Joogitaanka bangigu wuxuu ku fiican yahay dhammaan magaalooyinka waaweyn iyo magaalooyinka Scotland.

Waxay isku daraan ka go'naanta macmiisha wanaagsan iyo ka go'naanta muddada dheer si loo dhiso xiriir qoto dheer.

Asal ahaan, Bangiga Scotland wuxuu ku shaqeeyaa saddex nooc oo koonto oo kala duwan; Classic, Platinum, iyo Xisaabaadka Dhallinyarada iyo Ardayda.

Si aad u furato koonto, waxaad u baahan tahay deebaaji ugu yar £ 1 oo leh 1.50% AER dulsaarka dulsaarka u dhexeeya £ 4,000 iyo £ 5,000.

#2. Bangiga Royal ee Scotland

Royal Bank of Scotland waxaa lagu aasaasay Edinburgh sanadkii 1727. Sanadihii la soo dhaafay, bangigu wuxuu waddada u xaaray bangiyada tan iyo markii la aasaasay.

Royal Bank of Scotland waxa ay leedahay taariikh u fududaynta macaamiisheeda iyada oo loo marayo adeeg bangi oo internet oo dhamaystiran. Bangiga waxaa ka go'an u adeegida bulshada iyo ka hormarinta danaha macaamiisha.

Royal Bank of Scotland waxa uu leeyahay in ka badan saddex nooc oo akoon ah oo leh noocyo akoon oo dheeraad ah, kuwaas oo kala ah; Koontada bangi ee maalinlaha ah, Koontada Wadajirka, iyo Aasaaska. Nooca koontada dheeriga ah waxaa ka mid ah Abaalmarin, Arday,
Koontada bangiga Child & Teen.

Nooca koontadooda maalinlaha ah, ma jirto wax deebaaji ah oo ugu yar laakiin waxaad filan kartaa inaad bixiso 3% Gross / 3.04% AER dulsaarka dulsaarka ilaa £ 1,000.

#3. Bangiga Clydesdale

Bangiga Clydesdale waa hal bangi oo ku yaal Scotland oo u taagan inuu kaa caawiyo inaad gaarto himilooyinkaaga oo aad ku raaxaysato amniga iyo kalsoonida ay keydintu kuu keeni karto, haddii aad rabto inaad waxoogaa u keydiso si joogto ah ama aad yeelato wadar aad ku maalgashato.

Haddii aad raadinayso koonto maalinle ah, wax leh faa'iidooyin, aalado dhijitaal ah oo weyn, ama wax kale, xisaabaadkooda waxaa loogu talagalay inay kaa caawiyaan inaad gacanta ku dhigto dhaqaalahaaga.

Ka faa'idayso nolosha adigoo kaydinaya mustaqbalka. Waxaad iska qori kartaa nooc kasta oo koontadooda ah; Aasaasiga ah, Hadda, iyo Kaydinta.

Si aad xisaab uga furato Bangiga Clydesdale, waa inaad dhigataa ugu yaraan £ 1 si aad u furato koontada. Sidoo kale, ma jirto xaddidaadda dheelitirka ugu badan ama baahida loo qabo in si joogto ah loo bixiyo.

Kayd kasta oo ku jira koontadaada hadda, waxay la timaadaa Xisaab Kayd oo keli ah oo ku xiran bixinta 0.50% AER /Gross (variable) sanadkiiba dheelitirka keydkaaga, dulsaarkana waxaa la bixiyaa saddexdii biloodba mar.

#4. HSBC

HSBC waa bangi si fudud ugu maamuli doona lacagtaada xisaabtiisa hadda jirta. Waxa kale oo aad haysataa wax badan oo aad ku tixgalinayso marinkooda koontada kaydka ah ee ku xidhan, dulsaarka xad dhaafka ah, iyo bangiyada dhijitaalka ah.

Bangigani wuxuu ku shaqeeyaa laba nooc oo xisaabeed oo waaweyn; Koontada hadda iyo Kaydka.

Koontada hadda waxa ka mid ah Premier, Advance, Bank, Student, Children's, halka koontada kaydka ahi ay tahay mid joogta ah oo joogto ah oo kaydsan akoontiga heerka go'an kaas oo ku fidsan caruurta sidoo kale.

Si aad ula xisaabtanto iyaga, waxaad u baahan tahay deebaaji ugu yar £ 1 oo leh 1.00% AER/dulsaarka guud, oo go'an 12 bilood.

#5. Lloyds TSB

Bangiga Savings Truste (TSB) waa bangi ku yaal Scotland oo aqbala dhigaalka kaydka kuwa leh macne dhexdhexaad ah. TSB waa kibirkii ugu horreeyay abid ee Scotland.

Waa mid ka mid ah bangiyada tafaariiqda leh ee leh sumad macaamiil oo la aamini karo iyo shaqaale ka go'an oo siiya bangiyada adeeg buuxa in ka badan shan milyan oo macaamiil ah.

TSB waxay inta badan ku shaqeysaa xisaabaadka hadda jira oo ka kooban; Kharash & Keydso, Lacag caddaan ah, Ardayga, Qalin jabiyay, iyo Xisaabaadka 19 ka yar

Haddii aad furayso koontadaadii ugu horreysay ee bangiga, aad dhigato kulliyad ama jaamacad, ama aad raadinayso koonto maalinle ah, waa bilaash (uma baahnid deebaaji ugu yaraan).

Si kastaba ha ahaatee, dhammaan noocyada akoonnada ma bixiyaan dulsaarka. Ka filo 5% dulsaarka AER koontada ardayga iyo 2.5% AER ee koontada ka yar 19s Nooca koontada inteeda kale ma laha dulsaar.

#6. Barclays

Barclays wuxuu had iyo jeer ku faanaa inuu taageero ganacsiyada Scotland oo dhan.

Bangigani wuxuu ku shaqeeyaa laba nooc oo xisaabeed oo waaweyn; Koontada hadda iyo Kaydka.

Koontada hadda waxa ku jira akoon maalinle ah oo ka kooban Barclays Bank, Premier Current, Basic Current, iyo Accounts Joint; Xisaabaadka ardayga ee ka kooban kordhinta ardayga iyo xisaabaadka tacliinta sare; Dhallinyarada ka kooban Bangiga Carruurta iyo Xisaabta Qofka Dhallinyarada; iyo xisaabaadka lacagaha qalaad. Halka koontada kaydku ay tahay koontada kaydka ah ee joogtada ah oo go'an taas oo ku fidsan caruurta sidoo kale.

Waxaad u baahan tahay £ 1 khidmadda deebaajiga ugu yar si aad koonto uga furato Barclays intaad u taagan tahay inaad ku raaxaysato 0.01% dulsaarka koontadooda kaydka Maalin kasta.

#7. Halifax

Halifax waa qayb ka mid ah Bank of Scotland plc. Bangigani wuxuu fahamsan yahay in dadka adiga oo kale ah ay lacag u keydiyaan sababo kala duwan, sidaa darteed, waxay leeyihiin qorshayaal koonto oo kala duwan.

Xisaabaadka bangiga ee Halifax ayaa ku siin kara fududeyn markaad maareyneyso kharashaadkaaga maalinlaha ah, ama waxoogaa ka badan, oo leh koontooyin ay ku jiraan faa'iidooyin caymis oo aad u ballaaran.

Bangigu wuxuu ku shaqeeyaa xisaabaadka hadda jira iyo kuwa kaydka ah labadaba. Koontada Halifax hadda waxay bixisaa 0.10% dulsaarka AER. Si kastaba ha ahaatee, dhammaan heerarka dulsaarka ee noocyada xisaabaadka kala duwan waa doorsoomayaal.

Si aad akoon u furato, waxaad u baahan doontaa inaad ku shubto ugu yaraan £5 lacag caddaan ah akoonkaaga.

Gunaanad

Shaxda hoose ayaa si cad u soo koobaysa liiska bangiyada ugu fiican Scotland. Waxaad akoon ka furan kartaa mid kasta oo iyaga ka mid ah iyadoo loo eegayo mudnaantaada.

saraysiintaBangiyada Scotlandaccount NoocyadaHeerarka dulsaarka (AER%)Min. Deebaaji
#1Bangiga ScotlandClassic, Platinum, iyo Xisaabaadka Ardayga1.50%£ 1
#2Baanka Royal of ScotlandMaalin kasta, Wadajir, Kayd, Aasaaska3% Guud / 3.04%Free
#3Bangiga ClydesdaleAasaasiga ah, Hadda, iyo Kaydinta0.50%£ 1
#4HSBCHadda iyo Kaydinta1.00%£ 1
#5Lloyds TSBKharash & Kayd, Lacag, Arday, Qalinjabiye, iyo 19 jir ka yar5% / 2.5%Free
#6BarclaysHadda iyo Kaydinta0.01%£ 1
#7HalifaxHadda iyo Kaydinta0.10%£ 5
Bangiyada ugu Fiican Scotland

tixraacyada

  • expat.com - Bangiyada iyo maaliyadda Scotland

Talo soo jeedin

Leave a Reply

cinwaanka email Your aan laga soo saari doonaa. Beeraha loo baahan yahay waxaa lagu calaamadeeyay *

Waxaad sidoo kale laga yaabaa in